It is your responsibility to fix her car if you were driving it and were in an accident. Plus, if damage is over a certain amount, not reporting it to the police is also a crime. She gave you permission to drive her car, not to wreck it and you are the one responsible to repair it. Her insurance company will not pay for your damages, or they will and then they will sue your parents ( or you when you turn 18) for the funds if you turn 18 before it is all resolved. Plus, you are responsible to repair whatever the auto collided wit as well.
Sorry, I am sure this is not what you want to hear, but it is the truth.
And Scott H, I am sorry but their insurance will pay for it as they were driving and caused the damage, it is like when you rent a car and use your own insurance instead of the over-priced car rental insurance.